James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.

What is UMPD Coverage? How Much Does It Cost?

Uninsured motorist property damage insurance (UMPD) covers vehicle repair and replacement costs after an accident with an uninsured driver. UMPD also covers vehicle repair and replacement costs in situations where the other driver was unknown – say, in a hit and run. Along with uninsured Read More…

What is UMBI Coverage? How Much Does It Cost?

Uninsured motorist bodily injury insurance, or UMBI, is a type of car insurance that covers injuries caused by uninsured drivers. UMBI also covers injuries in situations where the other driver is unknown – like with a hit-and-run accident. Approximately 1 in 7 drivers in America Read More…

Liability vs. Full Coverage: What’s the Difference?

When shopping for auto insurance, you need to decide whether you want liability coverage or full coverage. What’s the difference between liability and full coverage car insurance? Which one is right for you? Liability coverage protects other people from damage you inflict. If you cause Read More…

Can I Insure a Car That Is Not In My Name?

There are several situations where you may want to insure a car that you do not own. But can you really insure a car that’s not in your name? Or can you only buy insurance for a vehicle that you own? It’s not a common Read More…

What Is Misrepresentation in Car Insurance?

When shopping for car insurance, you may hear the term ‘misrepresentation’ thrown around without fully understanding what it means. Misrepresentation is a type of car insurance fraud, and manyp people commit it without a full understanding of the potential consequences. It’s important to understand the Read More…

What is a Letter of Experience (For Insurance)?

A Letter of Experience can play a crucial role in the insurance process. A Letter of Experience, also known as a Letter of Claims Experience, may be required to prove your insurance history. If you are looking for a new insurance policy, or if you Read More…

What is Property and Casualty Insurance?

Car insurance is a type of property and casualty insurance. It covers certain aspects of your property (your vehicle) and your liability (casualty). Also known as P&C insurance, property and casualty insurance can get confusing. However, P&C insurance plays a crucial role in your life. Read More…

Will Auto Insurance Pay to Jumpstart Your Car?

You depend on car insurance to cover certain damages. But will car insurance pay to jumpstart your vehicle? Or do you need to pay for vehicle jumpstarts out of pocket? A standard car insurance policy will not cover the cost of jumpstarting a vehicle. Yes, Read More…

How to Get Witness Statements After a Car Accident

The moments after a car accident can be disorienting. It’s difficult to process what just happened and determine what the appropriate next step should be. One of the most important things to do in the moments following a car accident is to get witness statements. Read More…

Will Auto Insurance Cover My Legal Fees?

The aftermath of a car accident can result in pricey bills to pay. Not only will you need to pay for medical treatment and to repair your car, but you’ll also need to pay for legal advice if you’re filing a suit against the other Read More…

What Happens If Your Car is a Total Loss?

A total loss insurance claim can be costly. If a car is declared a total loss, it means the repair cost exceeds the actual cash value of the car. What happens if your car is a total loss? What does it mean for your insurance Read More…

Do You Need Uninsured Motorist Coverage?

Uninsured motorist coverage covers certain damage if you collide with a motorist who doesn’t have insurance. In certain states, uninsured motorist coverage is required by law. In other states, uninsured motorist coverage is not required, although it may still be recommended. In this article, we’re Read More…

Will Insurance Pay If I Hit My Own Car?

So you damaged your own vehicle. Fortunately, you have insurance. But will car insurance really pay if you hit your own car? Or are you out of luck? Basic liability car insurance will not cover damage if you hit your own vehicle. However, if you Read More…

How to Get the Cheapest Car Insurance for Teens

Getting cheap car insurance as a teenager can be challenging. Teens pay higher rates for car insurance than drivers of any other age. Getting cheap teen car insurance is challenging – but it’s certainly not impossible. Below, we explain everything you need to know about Read More…

Is It Worth Buying Full Coverage Auto Insurance?

Full coverage auto insurance gives drivers a higher level of protection at a higher cost. But is full coverage auto insurance really worth it? Or are you over-insured with full coverage auto insurance? The answer, as with many insurance questions, depends on your budget and Read More…

What is the Cheapest Car Insurance for Young Drivers?

Young drivers pay the highest rates for car insurance. Young drivers are inexperienced and high-risk, so insurers naturally charge more for car insurance. Fortunately, there are ways to get cheap car insurance as a young driver. Today, we’re explaining how to get the cheapest car Read More…

Does Credit Score Affect Your Car Insurance Rates?

Your credit score significantly impacts your car insurance premiums. A driver with good credit will pay less for car insurance than a driver with bad credit, all other things being equal. How exactly does your credit score impact car insurance rates? What other financial information Read More…

Is Insurance In a No-Fault State More Expensive?

America can be separated into two types of insurance systems: no-fault states and traditional liability states. Is car insurance in a no-fault state more expensive? Or are the two systems roughly equal? Today, we’re explaining everything you need to know about no-fault car insurance and Read More…

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